2824 N Waterman Avenue
San Bernardino, CA, 92404
$579,900
MLS: IG26048783
Beds
6
Baths
3
Sq Ft
1,742
Lot
0.15 ac
Year Built
1947
MLS #
IG26048783
Days on Market
11
Listed
Mar 7, 2026
Description
Completely updated and full of opportunity, this versatile property features a 4-bedroom, 2-bath main home PLUS a detached 2-bedroom, 1-bath ADU with its own private entrance, offering ideal flexibility for extended family, guests, or potential rental income. The main home welcomes you with a spacious living room at the front of the house, highlighted by recessed lighting and an open flow into the beautifully updated kitchen. The kitchen features quartz countertops, new stainless steel appliances including a gas range, microwave, and dishwasher, and plenty of space for everyday cooking and entertaining. Just off the kitchen toward the rear of the home is a large utility room that provides a centrally located laundry area and convenient access to the backyard. The primary suite, located just beyond the utility room for added privacy, offers two generous closets (including a walk-in) and a private ensuite bathroom with a freshly tiled walk-in shower. Three additional bedrooms are located nearby, each featuring ceiling fans and recessed lighting, with one bedroom offering sliding door access to the backyard. These bedrooms share a centrally located full bathroom with a tiled shower/tub combination. The home has been fully updated throughout, including fresh interior and exterior paint, new laminate wood flooring in the main living areas, neutral tile flooring in the kitchen and bathrooms, new quartz countertops, stainless steel appliances, new blinds, and updated ceiling fans, creating a move-in ready space with a clean, modern feel. Out back, you’ll find the detached 2-bedroom ADU offering approximately 620 sq. ft. of additional living space. The unit includes a living room with a kitchen area and sink with space for a gas range, two spacious bedrooms, a full bathroom with a tiled walk-in shower, and a mini-split AC system. The fully fenced property features a gated driveway, additional parking, and a spacious backyard, providing privacy, security, and room to enjoy the outdoors. An exceptional opportunity to own a beautifully updated home with a detached ADU, offering comfort, flexibility, and a convenient location near shopping, schools, and commuter access.
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: Joe Miller · RE/MAX ADVANTAGE
Payment estimate
$4,328
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $57,990 · Loan: $521,910
- Principal & Interest
- $3,207
- Property tax (1.25%)
- $604
- Homeowners insurance
- $300
- Mortgage insurance
- $217
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this San Bernardino home with as little as 3.5% down using an FHA loan — roughly $20,297 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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Local Market Stats
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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